*No Service Fee *Peace of Mind is Priceless *Rest & Relax in Retirement
**Check out my FB page for upcoming events**
**Check out my FB page for upcoming events**
I’m a Retirement Professional based in Chesapeake Beach Maryland. I grew up working on the water with my dad and the family business, commercial watermen. After HS, I spent more than 20 years working in accounting and owned a couple of small businesses before realizing I wanted something different.
I wanted my work to make a difference.
At the same time, I was looking at my own family's financial future and wondering: Are we doing enough? Are we prepared for retirement? Are we protecting what we've worked so hard for?
When I was introduced to the insurance and financial services industry 15 years ago, something clicked. I realized the questions I was asking were the same questions so many other families were asking.
That became my purpose.
Today, I help people better understand their options so they can make informed decisions about retirement income, asset protection, Medicare, life insurance, and other important financial concerns.
I'm a wife, a mom of three, and a very proud grandmother of two. Following generations of service members, my children currently serve, so family and service have an especially important place in my life.
When we sit down together, I don't want you to feel like you're sitting across from someone trying to sell you something. I want you to feel like you're having a conversation with someone who will listen, explain your options in plain English, and help you find solutions that fit your life and your goals.
Because you've worked hard to get where you are.
Now it's time to make sure your retirement plan works just as hard for you.
At the end of the day, my goal is simple: help you plan today so you can rest tomorrow and relax always.
NEVER!
I firmly believe when you are close to or in retirement, you shouldn't have to pay to keep and protect what you've saved and worked so hard for.
Yes I can! I will do a full analysis of your situation and based on your wants and goals we'll discuss your options. It's never a one size fits all, so I find the best fit for you. Call me to get started.
No. When you get ready for retirement, you are no longer in the accumulation phase that would require investing, you will be in the protecting phase of your principle. I can help you do that while you can still participate with no down side. Ask me how.
Yes. No matter your what the value of your Estate is, you should have a plan in place. Your Estate includes anything with your name attached to it, real-estate, banks accounts, retirement accounts, cars, etc. If you want to have your own plan and not a government plan, then you should take steps to avoid probate. You having control of where you want everything to go and when, is priceless. The Estate Planning Software I offer is a simple step by step interview with documents created by Expert Estate Planning attorneys with decades of experience. Click the box above for quick video why and the link below for a 15 day free trial. Estate.APIMusa.com/free_trial.php?type=delta&a=DebbieZanelotti
The available dates depend on the Medicare Beneficiary's specific situation. Call me to review yours so you can avoid potential penalties.
The dates are Oct 15th to Dec 7th every year, with an effective date of Jan 1st. Call me to compare plans and premiums.
Unfortunately no, even though it's been proven for years how much our Dental hygiene plays a big part in on our overall health. NCD by MetLife is one of many plans available. Click the above picture for a quick preview and the link below to enroll.
https://enrollment.ncd.com/962652
It is income replacement for either the premature death in a young family or a retiree spouses death. The mortgage can be paid without the financial worry of having to move the family. Ask me how.
Life insurance is an important part of planning your estate and protecting your legacy. It can help create a tax-free retirement if properly structured, especially the earlier you start. Ask me how.
Yes, I have carriers that offer guaranteed life insurance with no questions asked. Ask me how.
Privacy Policy What information do we collect? We collect information from you when you register on our site, subscribe to our newsletter, or fill out a form. Any data we request that is not required will be specified as voluntary or optional. When ordering or registering on our site, as appropriate, you may be asked to enter your name, e-mail, address, phone number for Final Expense, Medicare Insurance & Retirement Services. You may, however, visit our site anonymously. Like most websites, we use cookies to enhance your experience, gather general visitor information, and track visits to our website. Please refer to the ‘do we use cookies?’ section below for information about cookies and how we use them. What do we use your information for? Any of the information we collect from you may be used in the following ways: • To personalize your experience (your information helps us to better respond to your individual needs) • To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you) • To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs) • To send periodic emails How do we protect your information? We implement a variety of security measures to maintain the safety of your personal information when you submit a request or enter, submit, or access your personal information. These security measures include password protected directories and databases to safeguard your information, SSL (Secure Sockets Layered) technology to ensure that your information is fully encrypted and sent across the internet securely, or PCI Scanning to actively protect our servers from hackers and other vulnerabilities. We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Sockets Layer (SSL) technology and then encrypted into our database to be accessed only by those who are authorized with special access rights to our systems and are required to keep the information confidential. After a transaction, your private information (credit cards, Social Security numbers, financials, etc.) will not be stored on our servers. Do we use cookies? Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. Do we disclose any information to outside parties? We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, as long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses. Third-party links Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We, therefore, have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites. Children’s Online Privacy Protection Act compliance We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act); we do not collect any information from anyone under 18 years of age. Our website, products, and services are all directed to people who are at least 18 years old. CAN-SPAM compliance We have taken the necessary steps to ensure that we are compliant with the CAN-SPAM Act of 2003 by never sending out misleading information. Online privacy policy only This online privacy policy applies only to information collected through our website and not to information collected offline. Your Consent By using our site, you consent to our privacy policy. Changes to our privacy policy If we decide to change our privacy policy, we will post those changes on this page, and/or update the Privacy Policy modification date below. Policy changes will apply only to information collected after the date of the change. This policy was last modified on March 28, 2022. Privacy policy customer pledge We pledge to you, our customer, that we have made a dedicated effort to bring our privacy policy in line with the following important privacy laws and initiatives: Federal Trade Commission Fair Information Practices Children’s Online Privacy Protection Act Privacy Alliance and Marketing Act Trust Guard Privacy Requirements